Thursday, 17 January 2019
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This Old House - Do-it-Yourself

Protecting Your Midwest Home

Written by Posted On Thursday, 10 January 2019 15:24

When you live in the Midwest, protecting your home goes beyond having shutters for the windows in case of tornadoes and flood insurance for unexpected rains. You can purchase home protection packages and get a discount from the insurance company for buying multiple lines, but what else can you do to protect your investment? We talk about the top three tips to help you prepare for owning your new house below.

 

Security and safety

Making sure your home is safe from burglars is paramount. Security features like cameras give you the eyes on your property to keep it safe with technologies that sync with your cell phone. You can see who knocks on the door, enters the house, or whether the nanny makes snacks on time with a video surveillance system.

 

Motion detecting lights provide an added layer of protection. These lights have sensors that detect wild animals and put a light on potential thieves. Adding these lights to every corner of the yard, house, and the garage is an excellent way to cover the entire property. ADT cautions homeowners that these lights have specific ranges of detection. You should read all manufacturer information before purchasing motion detecting lights to get the system that works best for your space.

 

Window alarms and beefy door locks can provide additional security if you live in an area with bears or other wildlife. Dual and triple-pane glass windows can protect you from animals and help you save on energy costs. The added layers provide insulation against the cold when the weather drops to sub-zero digits.

 

Warranties, insurance, and annual inspections

The Insurance Information Institute says you need as much insurance as it takes to rebuild your property completely after a disaster like a fire. The plans cover four main areas, the frame of the home, your personal belongings, liability coverage for others hurt by your property like the house falling on the neighboring home, and coverage for a place to live while your home is being repaired. Most standard policies do not cover earthquake or floods. You must purchase these policies separate from your homeowner's insurance.

 

A reliable pest control company in Chicago can inspect your house for signs of termites, ants, bees, and other pests before you move in. Other services might include lawn maintenance, snow clearing, gutter cleaning, and tree removal. Roofing inspections can help you find minor problems before the snow flies in the winter saving you time in the cold fixing a leak when there is an inch of ice on the roof.

 

Forbes says a home warranty is an option you want to consider for your appliances and other home systems. This coverage has levels, so make sure you choose the coverage you need for windows and large expenses if you expect to use this protection. You can purchase smaller amounts for dishwashers and garbage disposals.

 

Preventative maintenance

When you own a home, keeping up with repairs is a huge deal. By performing regular checks, you or inspection experts can find issues like missing roof tiles, cracks in the foundation, or moisture in the basement. Routine annual checks are easy to perform as long as you use a checklist. The New York Times breaks up the tasks by season to make them easier and quicker to perform. For example, you can see the early year tasks below.

 

Spring

  • Lawnmower maintenance

  • Tree pruning

  • Reseed the lawn

  • Cut back hedges

  • Hire a lawn maintenance company if you are not doing the work yourself

 

Protecting your Midwest home is easy with these tips from the experts in the real estate industry. Safety, longevity, and security give you peace of mind when you lay down at night and awake in the morning. Being prepared can save you thousands of dollars and a lot of headache in an accident or natural disaster.

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Sofia Belnap

Sophia is passionate about writing in the real estate and home improvement spaces. When Sophia is not writing she loves reading, cooking, and spending time with friends and family.

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